Employer Health & Welfare Benefits

By offering a Flexible Benefit Plan, the Employer saves payroll taxes and the Employee saves FICA, Federal and State taxes. A Flexible Benefit Plan permits employees to authorize their employer to reduce their pay for expenses on Health Insurance, Day Care and Medical/Dental and Vision expenses not covered by insurance.

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Plan design consultation

Preparation of Plan documents

Enrollment of employees

Daily claim processing

Plan sponsor and employee online access

Toll-free call center

Non-Discrimination testing and completion of IRS tax forms

NBS Debit Card

Dedicated Account Manager

Health Savings Account (HSA)

An HSA is a tax-exempt account established primarily for the purpose of paying qualified medical expenses. Most people covered under an IRS-qualified High-Deductible Health Plan (HDHP) can open and contribute to an HSA.

Learn More About HSA

Health Reimbursement Arrangement (HRA)

Employer-paid reimbursement programs for health care benefits. These plans allow employers to set aside a specific amount of money to pay for employee health care expenses as defined by the plan. All contributions to an HRA are tax deductible to the employer and tax free to the employee.

Download HRA Brochure

Flexible Spending Account (FSA)

Saving payroll taxes for employers and employees for eligible medical, dental, vision, and day care expenses.

Download FSA Brochure

Section 125 Premium Only Plans

In order to offer pretax benefits to your employees you need a Premium-Only Plan. IRS Section 125 allows your employees to pay for their insurance premiums and HSA contributions with tax-free dollars. NBS's POP documents are drafted by ERISA attorneys and are up to date with Affordable Care Act Provisions.

Request a POP Document

Parking and Transit Plans

Transportation plans allow an employee to set aside funds to be used for pre-tax reimbursement for qualified transportation and commuter parking expenses related to their employment.

Download Parking/Transit Brochure

COBRA Services

While you may be subject to specific COBRA laws and responsibilities, National Benefits Services is your go-to source for COBRA administrative assistance.

Account Access

Download quick forms here or view all forms available.

View All Forms